What are your 2020 Goal Cards?

[I_Love_Cards]

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@Aim_High wrote:

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@I_Love_Cards wrote:

So my 2020 card goal is to garden for more than an hour (which seems to be my record).  1 month and 2 cards in, so there's ... opportunity for improvement.  

Last card goal is to really decide if all these cards are earning their paychecks.   On a card by card basis, I do get the value back.  But I know I'm paying for duplicates benefits - and that's not prudent (even though I'm still in the black).   

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LOL ...   You're funny!

Will you be here all week? 

Sounds like a good plan, if you manage to stick-to-it which is easier said than done, right?

I don't know your spend and travel but that does look like a lot of AF cards! 

   AMEX PLAT - $550

   AMEX GOLD - $250

   AMEX GREEN - $150

   AMEX Hilton Aspire - $450

   AMEX Delta PLAT - $195 (going to $250)

   Chase United Mileage Plus - $95

   CITI AA Platinum Select - $99

plus is there a fee on the AMEX Marriott? 

Did I miss any?

And why the duplicate AMEX Hiltons??

Just curious.

Either way, looks like at least $1789 in fees ...ouch!

Definitely time to close the subprimes too.  Good idea.

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Marriott has $95 AF, but free night certificate (which I'm using in a couple of weeks).  

Lots of AF, but I'm exceeding the fees in my perceived (or real) value (I check a lot of bags...a lot... and do use the credits/free nights/companion certs/etc.).  

The No AF Hilton was because grocery is my biggest spend and Hilton is my preferred hotel so I was racking up Hilton points with it.  I've now migrated to using the Gold (4x grocery=8 Hilton vs 5 on the no AF Hilton card).  But No AF is there and aging and that's probably the biggest benefit now.   So I'm not in a huge rush to close it.  

The Aspire is for all my Hilton stays.  

We shall see where the shakeout lands.  Gardening will be the biggest challenge LOL. 

[vision_20]

I've put the AMEX Hilton and Platinum on my 2020 list and those will be m thg only new cards for the entire year. My travel habits have increased significantly and will continue to do so, so those should fit perfectly.

[Citylights18]

I'm having a tough decision on what to do since I'm 4/24 at this point and need to buy a new computer.

1) Open a AMEX ED and pop the 1,000 SUB on the laptop. This would give me a lot of points for the SUB plus I can set the card up with Rakuten and get a second huge bonus with that. If I do this it will put me in 5/24 jail for 15 months.

2) Spend off the remaining 3x bonus on my CFU. However I only have like 500 dollars left here with 4 months to go. It doesn't seem like its worth prepaying 3x out on. If I was 2,000-3,000 out on the SUB then yes. The computer I think will be in the $750-$900 dollar range.

3) Stick it on my Samsung store card and pay 0% APR for 24 months. It might actually make the most sense and good on the cash flow.

[Creditsen]

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@recoveringfrombk7 wrote:

Mostly I need to get a new car before I exit the garden.  I'm planning to cancel my current Ollo card in October and hope that I still remain attractive (~700ish) due to BK-suppressed scores.  They don't seem to be offering the card to folks who would PIF.

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I am also in the new car boat. Gardening till the scores go up. Thinking an Amex or CFU once the double points for Disco are over.

[vic6string]

I am going to try for the US Bank Cash plus in the next couple of weeks (once all my current cards post since last month they were showing a bit higher due to chrismas purchaes). I spend about $700 between cable/internet and cell phones so the 5% back on those would be nice. Also, I don't have a Visa (just Amex, MC and Disco) and I buy all my meat at Costco which only takes Visa or Debt cards. Even if all I get is 1%, it's more than I get now. I'm just hoping my BK13 (over 5 years since filing date) doesn't get in the way. 

After that, I might go with something like the Paypal MC just to replace my QS that I only use for stuff that doesn't get good cash back anywhere else (2% beats 1.5)

[Nomad3]

My goal for 2020 is.. No new lines!
But hopefully double my current CL's with soft pulls. So far Cap1 gave me a 10% increase lol (asked for 400%)

[Namaste7]

If I wasn't in the garden (link in siggy for goals), I'd definitely app for the BofA Premium Rewards and CS Platinum. The Apple Card and CareCredit would be on my short-list.

[Malcono]

Amex Business Plat, and then PC my Chase Preferred to a Chase Reserve.

I'll be a happy camper after that and probably won't need anything else in my profile.

[FieryDance]

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@Aim_High wrote:

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@FieryDance wrote

Chase 

• Have: CIC (me), CIP (DH)
• Goal: Chase Biz Quinfecta in 2P mode, 2 CICs, 2 CIUs, 1 CIP

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Wow, that's some detailed, specific, and complicated plans! 

Good job plotting that out. 

Some of it left me curious.  Like why all the Chase Biz cards?? 

But you don't have CSR/CSP to magnify UR points with them??

Or do you? 

You'd get 25% or 50% bump with one of those. 

I got 80K UR point SUB on CIP, PC'd it to no-AF CIC where I get 7.5% in URs on my CSR for travel. 

I guess you and DH have enough Biz travel to dabble in Chase, BoA, and AMEX?  Seems like a lot of systems and cards to me but DW doesn't travel and much of my travel spend is paid employer-direct.

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Haha! Thanks!  It is actually a very tentative plan.  The MR cards will likely not start until later this year.  

They are Biz cards because I need to stay under 5/24 and I am already at 4/24.  That's also why if a card I want is a personal card DH will app for it.   You are right about CSR and I seriously debated if DH should app for CSR while the AF was still at $450. I eventually decided against because our planned travel this year and early next likely does not need the boosting power of CSR.  I do think at some point we will get It, but not yet. 

Between DH and I, we have 3 to 4 side gigs that can qualify as "business" by credit card standard.  I teach piano lessons, tutor math, DH occasionally does translating work, and once he finishes his residency he might start his own practice and we are renting out a room in our house to a grad student.  Truth be told, the only one that currently has a real income is the rented room and we only just started.  But still a lot of expenses we have can be somehow tied to those "businesses".   

[randomguy1]

4/24 but with a long list of cards I would like to attain.

Will be purchasing a new build house later this year so I may get one or 2 CIP + CIU before that (2 player mode). Perhaps another business card at the same time. After purchasing the house, will look into a Barclays airline card, BofA Alaska Business, Citibank AA business, and upgrade the CSP to CSR in November.

I will be 3/24 by 1/2021 so will not be adding any personal cards until then.  Perhaps go for a SW CP with a personal + biz card if the SUBs are high enough to qualify then or a WOH card. Not too interested in the CF categories and the CIU replaces the CFU for general spend.

Cards of interest are all the big players in the bonus categories:

US Bank Cash+

BBVA Clearpoint

BofA Business Travel

BofA Cash

etc. however staying below 5/24 is more important for me so I don't see applying for any of those until 8/21 which my plan might deviate by then but they are all on a spreadsheet.

Perhaps one day AMEX will forgive me and I will start looking into their cards but not today my friend.